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Top realtor in Lehigh Valley PA? Ranked in the top 1% of Berkshire Hathaway agents nationwide, Rebecca L. Decker Francis and her team specialize in the Lehigh Valley luxury home market. Combining their professional marketing expertise, business acumen and extensive connections both locally and abroad, Rebecca and her team can help buyers and sellers alike achieve their goals. Whether buying or selling a fine home, their access to the latest technologies and market research, along with their ability to network with other top luxury agents will benefit clients and enhance their buying or selling experience. Find even more information on top realtor in Lehigh Valley PA.

After narrowing the search to 2 or 3 homes, your agent will do whatever research is necessary to aid you in making your decision. Ultimately, however, it is your decision. Some tools that can help you make that final decision include school reports (if you have or are planning on having children), statistical information from the local chamber of commerce, future zoning or road expansion from local planning offices, etc. Whatever the factors of importance are to you, have your agent help locate that information. Once you have selected a single home to focus on, your agent will conduct a comparative market analysis on that property. This involves determining “fair market value” by looking at what other buyers were willing to pay for properties similar to yours in the same neighborhood or area.

Start Investing: Investing is one of the best ways to increase your net worth, but a lot of people stay away from it because they’re scared of losing money. So instead of investing, they keep their money in a savings account. That’s great, and you should have some money in a savings account for emergencies, but the truth is: Money in a savings account loses value over time. See, the average savings account has a very tiny 0.06% APY (annual percentage yield), while inflation is around 1.7%. That means that each year, the money you have in a savings account is going to have less and less buying power. So, what can you invest in to stay ahead of inflation? Here are some options: Real estate, Peer-to-peer lending, Exchange traded funds (ETFs), Stocks.

Buying real estate in a good school district makes it a lot easier when it comes time to sell your house in the future. Whether you’re looking to downgrade as an empty nester or upgrade into a larger house to support your family, a top school district is a big-time selling point in real estate. If you buy in a bad school district you run a greater risk of your home depreciating because you are appealing to a much smaller buyer pool. We recommend our buyers focus on specific neighborhoods vs. focusing on cities or larger areas. The neighborhood you live in is going to have a direct impact on you. What are you looking for in a neighborhood? Address this question early on in the home buying process because buying in the wrong neighborhood is a surefire way to be remorseful about buying a house.

While you’re at it, you should check your credit scores (all 3 of them) and determine if anything needs to be addressed. As I always say, credit scoring changes can take time, so give yourself plenty of it. Don’t wait until the last minute to fix any errors or issues. And while you’re addressing anything that needs more attention, do yourself a favor and put the credit cards in the freezer (or somewhere else out of reach). Lots of spending, even if you pay it back, can ding your scores, even if just momentarily. It can also increase your DTI ratio and limit your purchasing power. Ultimately, bad timing can create big headaches. Additionally, pumping the brakes on spending might give you a nice buffer for closing costs, down payment funds, moving costs, and renovation expenses once you do buy.

When you’re planning your visit to Lehigh Valley, take advantage of a wide variety of accommodations ready to suit your needs. Choose from nationally-recognized brands in easily accessible locations, full-service resorts, or quaint bed & breakfasts offering a relaxing escape. Explore all that Lehigh Valley has to offer. If there was ever a place to lift your spirits in the most unexpected ways, this is it. The Easton Farmers’ Market is the oldest continuously operating open-air market in the country. On Saturdays through the warmer months, you can shop from dozens of vendors in the city’s Centre Square. Discover more info on https://rebeccafrancisteam.foxroach.com/.

Excellent residential complex Sarjapur Road, Bangalore today? This mega township shelters 3000 plus Apartments, 140 plus Villas, and 150 plus plots. It has residential complexes ranging from high-rise apartments, group housing societies to luxurious independent villas. Prestige Group, the promoter of Prestige City Sarjapur Road has paid attention to every minute detail, from conveniences, construction, maintenance to safety, while creating this world-class community living space. This township is covering 180 acres of land with numerous residential sections. It consists of 1 BHK, 2 BHK, and 3 BHK apartments along with 3 BHK and 4 BHK villas. Find even more information at Prestige City Sarjapur. Moreover, Prestige City Sarjapur Road is also decked with a well-armed clubhouse which is appropriate to occupy you with a fully equipped gym, indoor/outdoor games, mini theatre, and separate swimming pools for adults & kids and a yoga/aerobics deck. Full-fledged facilities of indoor games arena like table tennis /billiards/card room, kid’s play zone with sandpit, etc. also increase the beauty of Prestige City.

What’s even more annoying is that you may have to fight to get your hands on the few properties that are out there, depending on the housing market in question. In popular metros, bidding wars will still take place, and they even become the norm again as they were in previous years. If the property is popular, there will always be someone willing to outbid you for that home they just must have. This is another reason why the fixer can be a winner, the hidden gem if you will. That being said, it’s okay to pay more than asking (or even the fully appraised value), just keep in mind that there are plenty of fish in the sea. Well, perhaps not plenty right now, but there’s always another opportunity around the corner. Stay poised and don’t let your emotions get the best of you. Like anything else, it’s okay to walk away. Trust your gut.

This should be a necessity for anyone who is buying real estate. You don’t want to buy a home that has a crack in the foundation or needs a new roof. A home inspection can spot these and other things that are wrong with the house, which gives you far more negotiating power, and it gives you a reasonable idea of what to expect in terms of expenses for the future. What type of storage space does the estate have? Is it a luxury home with plenty of space, or is it going to be a tight squeeze when you move all of your stuff in? This is important as you begin your home search, you want to set proper expectations for how much room you’ll really need.

Have an Emergency Fund: If you lost your job tomorrow would you have enough money to live off while you look for a new one? If not then you’re not alone. This study found that although Americans are doing a better job at saving, around 24 percent of them (57 million people) don’t have an emergency fund. Now I don’t want to be a negative Nancy or a Debbie downer, but emergencies happen all the time. They may not happen to you, but it’s always good to be prepared. You can’t predict an emergency, but you can prepare for one. The best way to do so is to set up an emergency fund of 3-6 months living expenses. That means if you lost your job tomorrow, you’d be able to live off your emergency fund for 3-6 months while you look for a new one. Net worth can seem like a tricky topic, but it’s quite simple. Your net worth is how much money you are worth. If you were to sell everything you own, then pay off everything you owe, how much money would be left?

After narrowing the search to 2 or 3 homes, your agent will do whatever research is necessary to aid you in making your decision. Ultimately, however, it is your decision. Some tools that can help you make that final decision include school reports (if you have or are planning on having children), statistical information from the local chamber of commerce, future zoning or road expansion from local planning offices, etc. Whatever the factors of importance are to you, have your agent help locate that information. Once you have selected a single home to focus on, your agent will conduct a comparative market analysis on that property. This involves determining “fair market value” by looking at what other buyers were willing to pay for properties similar to yours in the same neighborhood or area. See additional details at https://prestigecity.in/.

High quality real estate Bangalore, Chennai right now? The beautiful homes with high ceilings projects an extravagance and each space offers an over-the-top experience. Mahindra Eden residential complex is spread over land acreage of 17 acres having 582 units built inside its premises. The whole complex is comprised of 4 Towers having Ground + 17 floors in every tower. Mahindra Eden apartment Kanakapura Road is planned to have 2 BHK, 3 BHK, and 4 BHK units and are tastefully done, lending each space a unique character. Every apartment boasts ultra-luxurious specifications. Find even more information at Mahindra Eden.

Now that you know the “fair market value” of the home you like, it’s time to determine how much you are willing to pay. Establishing this prior to making a formal offer helps define your personal limits. You should determine how much to offer, how much earnest money you will put down, how much of the closing costs you will ask the seller to pay, when you plan to settle, and what inspections you plan to have conducted. Your agent will offer great advice for structuring your offer. Remember to ask your agent about contingencies and their importance. If you don’t fully understand something, be sure to clarify it.

Mahindra Eden, Kanakapura Road is an upcoming trendy setup whose magnificence is enhanced by its prominent connectivity from the metro, convenient roads, and several other transport systems. National Highway is crafting it a more easily commutable spot, also attracting several IT firms and corporate titans to set up their offices nearby this residential complex. Moreover, ISKON is also taking advantageous initiative and schedule to develop an entertainment park in this region. Kanakapura Road is becoming one of the choicest locality by IT professionals in terms of residences proposed.

Side Hustle to Make More Money: Are you happy with the amount of money you’re taking home each year? If you’re like most of us, a little bit of extra cash each month could go a long way. So, why not start a side hustle to supplement your income? Don’t worry. You don’t have to sacrifice all of your free time to start a successful side hustle. One of the big advantages of side hustling is that you can do it when you want and as much (or as little) as you want. The best advice I can give you is to start. Use any extra time you can find and make a little bit of progress every day. Soon you’ll be addicted to the side hustle lifestyle. So, how much money can you really make with a side hustle? Well, that’s the other awesome thing about side hustling, the income is virtually limitless. Since you’re not getting paid by the hour or a set salary, it’s really up to you to decide how much you want to earn. The more you feed your side hustle, the more it grows.

If you’ve yet to enter the housing market, but are thinking of buying a home in 2021, there’s a lot you need to know. As I once pointed out, this isn’t your older sibling’s housing market. Not just anyone can get a mortgage these days. You actually have to qualify. But we’ll get to that in a minute. Let’s start by talking about home prices, which have soared in recent years. The good news is mortgage rates remain very low, and may even break new record lows this year, which can keep affordability within reach.

Mahindra Lifespaces Eden Kanakapura Road is a residential apartment complex that has been thoughtfully fashioned on 17 acres of land offering 582 apartments inside the premise. Mahindra Lifespaces Eden Kanakapura Road is embracing 4 Towers consisting of Ground + 17 floors in every tower. Pleasing panoramas all over make the living of occupants of Mahindra Lifespaces Eden distinct & elite. One can get attracted from apartment society, the amenities, and the size, but if the location is problematic, it can trigger loads of problems. Half an hour commute to work along with an extra half hour of traffic jam due to deprived location may instigate stress quite fast. Read additional info at https://mahindraedenkanakapuraroad.com/.

If you’re going to buy a house it makes a lot of sense to make sure that rush hour traffic isn’t unbearable. The last thing you want is to buy a home and find out that you’re going to be sitting in heavy traffic every day. Time is more valuable than money, you don’t want to spend your time in traffic – I know I don’t. You want to spend your time doing more important things like spending time with your family. We always recommend our buyers check out the commute to and work on different days just to make sure it’s something they are comfortable with.

Nights of free emergency housing today with Positive Transition Services? Our residents may face temporary challengesand feel undervalued at times, but the momentthey are transformed through Positive Servicestheir Transition comes alive!!We work closely with our residents to give themthe tools and advantages to take that first steptowards stability. Our residents are empoweredwith the skills and resilience that are bornduring their stay with us.It is impeccable and nothing short of beingamazing to see our residents grow and succeed! Positive Transition Services’ mission is to support, advocate, and connect those in need with supportive services that increases self-sufficiency and lifelong sustainability. We provide an array of comprehensive, holistic services to disabled veterans, individuals with mental and/or behavioral challenges, physical disabilities, chronically homeless, and those returning from incarceration.

Positive Transition Services (PTS) is a premier provider of supportive housing and care management services for special populations including the chronically mentally ill, HIV/AIDS population, homeless veterans, homeless families, and men/women living with addiction. Our organization is a well-established 501c3 organization with a reputable reputation in the community. We offer premium, professional supportive housing services for entities such as the Veterans Administration, the State of Georgia, Fulton County Superior court, the City of Atlanta, Marta, and a host of medical providers just to name a few. We are a certified organization that meets high, rigorous industry standards; this includes maintaining a zero-tolerance drug policy. Our goal is to provide the highest quality of in-home supportive services possible while utilizing our years of experience and expertise to tailor care plans to each individual.

We’re a non-profit community that believes in the dignity of all people and the world. We believe that homelessness is not a “natural” condition, but is the result of a series of social and economic factors that have marginalized an already vulnerable population. PTS facilitates a positive transition for our youth and families by linking them to resources in the community, providing mentors, and encouraging personal development through life skills and educational opportunities. We strive to improve and transform the quality of lives of families experiencing homelessness and poverty by providing permanent housing, education, resources, and support. Dedicated to increasing self-sufficiency, we collaborate with community leaders in both the public and private sectors who are invested in transforming communities of underserved individuals, veterans & Seniors.

Our services and housing opportunities are provided free or at low cost. Shifting lives and enriching communities. Positive Transition Services is dedicated to creating a positive path for adults with hardships and disabling mental illness. Created by people who have lived or worked in the field, our staff provides freedom from unneeded burdens: isolation, loneliness, and frustration. We offer affordable housing options coupled with free supportive services provided by top-notch professionals, clinicians, and educators. Our services are tailored to meet the unique needs of each individual veteran. We believe in meeting people where they are at and assisting them in making healthy decisions along their journey toward recovery and independence. We aspire to empower each veteran to be as independent as possible without losing overall oversight of their health care needs.

Positive Transition Services non-profit where we are committed to fighting to end homelessness by maximizing resources and minimizing gaps! Our #1 goal is to ensure we transition lives that are meaningful and positive through affordable housing and supportive services. Bartola Anderson is a well-educated professional dedicated to serving her community in any way possible. The Atlanta native struggled for years with homelessness, depression, poverty, and addiction- all while single-handedly raising two children in a high crime environment. Eventually, Ms. Anderson reconnected with Christ and successfully turned her life around. She attended Clayton State University where she earned a Bachelor of Science in Psychology and obtained her Master’s Degree in Education from Central Michigan University. As a woman with difficult experiences of her own, Ms. Anderson routinely draws on her first-hand experience during the everyday operation of Positive Transition Services. She knows how valuable a helping hand can be in a trying time. It can literally be the difference between someone overcoming or succumbing to their trials in life.

Fulton County, Georgia has the highest rate of homelessness in the UnitedStates. In 2018, there was an average of 3,298 homeless individuals inFulton County per night. According to the NLCHP, a lack of affordablehousing is the primary cause of homelessness, with 1/8th of the nation’ssupply of low-income housing being permanently lost since 2001.Additionally, HUD has seen its budget slashed by over 50% in recentdecades, leading to a loss of 10,000 units of subsidized low-income housingeach year. Organizations like Positive Transition Services are fighting toend homelessness by maximizing resources and minimizing gaps byensuring that individuals can transition into lives that are meaningful andpositive through affordable housing and supportive services includingtreatment and job placement.

PTS provides free transportation emergency assistance to helpindividuals gain employment, pickup medications, make criticaldoctor appointments timely, maintain ongoing counselingservices, and recovery treatment services. We have also spent$5.000 in COVID-19 relief which has included free Uber andLyft rides to get tested. Educate and empower our residents through to process ofhelping them understand financial, credit, and debtmanagement. We also partner with local banks to assist ourresidents with obtaining checking and saving accounts.

Positive Transition Services Intern Spotlight: Favorite part about working with PTS? My favorite part about working for PTS is seeing the people who are using these servicesin a positive way and really making a change within themselves and are turning aroundtheir lives. The residents motivate me to keep going since they have overcome so manyhurdles and they keep going.What would you say is your biggest impact with PTS and our clients? The biggest impact is seeing the resiliency the men have because as I previously stated itsmotivating me to keep myself on track as well. Discover additional details at Second Chance Re-Entry Housing.

Financial literacy is the confluence of financial, credit and debt management and the knowledge that is necessary to make financially responsible decisions decisions that are integral to our everyday lives. Financial literacy includes understanding how a checking account works, what using a credit card really means, and how to avoid debt. While most people receive their Social Security and Supplemental Security Income (SSI) payments directly, some need assistance in managing their benefits. Payments to these individuals are paid through a representative payee who receives the check on behalf of the beneficiary and provides for their personal needs.

Top rentals Chicago by chicagorentclub.com? Tucked between Lake Michigan and Chicago’s glitzy and glamorous Magnificent Mile is the lively neighbourhood of Streeterville. It’s one of the best places to stay in Chicago if you’re on a budget. To the west of Streeterville and the Magnificent Mile is River North. Well known for its art galleries, museums and boutique shopping, River North is also the epicentre for nightlife in Chicago. The coolest neighbourhood in Chicago is undoubtedly Wicker Park. The city’s premier hipster haven, Wicker Park has a great mix of local boutique, innovative restaurants, and upscale doughnut shops and taco stands. Find additional details at for rent Chicago. RCI is a great company with a great leader and team. They take care of their clients, business partners and customers from start to finish throughout the years I have referred my clients and worked with their entire team. It has been a great experience I will continue to send my family, friends and clients their way for all of their real estate needs. Keep up the great work and thank you

What Slim Pickings Mean for Sellers? Low inventory means low selling competition! You can probably expect to see offer letters flooding your mailbox the same way Hogwarts sent Harry Potter his acceptance letters. Since your home will be one of the (relatively) few listed on the market, you could be in the driver’s seat. So enjoy possibly picking the best offer and moving at a pace that best suits your timeline. But after your home is sold, you probably won’t be in the driver’s seat anymore (if you’re buying again). So decide on plans for your next home before you sell.

Pay Yourself First: This personal finance tip is another common one that can have a huge impact on your finances. When you pay yourself first, you’re investing in your financial future; you’re investing in future you, and future you will thank present you for doing so. So, why not just pay yourself at the end of the month? That’s a lot easier, right? Well, the reason why paying yourself first works so well is that once that money is sent to a savings account, you’re a lot less likely to spend it. If you wait until the end of the month to pay yourself, you might not have any money left! Future you will be very sad with no money. Make future you happy by investing in yourself! PS. The best way to pay yourself first is to do it automatically. Set up an auto-deposit with WealthSimple and you’ll never have to think about saving money again – it will just happen.

While you might have your hands full with an overzealous real estate agent, it’s important not to neglect your mortgage homework. Mortgages are often just mailed in, with little attention given to where they are originated. Your real estate agent will have their preferred lender that you “really should consider using because they’re the best,” but you don’t have to use them or even speak to them. I’ll typically say get a quote from them as a courtesy to keep things amicable, and to appease your agent, but also shop around with other banks, credit unions, lenders, and mortgage brokers. At the same time, think about how you want to structure the mortgage, including down payment, loan type (FHA or conventional), and loan program. The 30-year fixed isn’t always a no-brainer, though right now it’s a tough argument to go against it.

When looking at homes, you should seriously consider ignoring paint and landscaping. These are two items that are easy to fix, and they should not impact your decision making when purchasing a house. If the home has a terrific location and the paint/landscaping is poor you shouldn’t rule it out, you have to be able to envision what the house will look like when you move in and make changes. A lot of time buyers will not be able to overlook paint or landscaping and this gives an opportunity for others who know how easy it is to fix. Location is something you can’t change, paint and landscaping is something you can. Discover more information at https://www.chicagorentclub.com/.

Selecting a lender is a matter of personal preference. Many people often shop around, looking for a lender that offers the lowest rate. More often, however, people will choose a lender based on a referral from an agent or friend. Most lending institutions will offer the same basic programs, such as FHA, VA, conventional fixed rate, etc.; and most will meet or beat another lender’s rates. What usually separates one lender from another is their “niche” product. An example would be a lending institution that specializes in low down payments, as compared to another that specializes in self-employment financing. Most agents will be able to point you in the right direction based on your particular situation.

Excellent apartments for rent in Chicago near me? Offering the best selection of rentals for both the city and suburban lifestyle. Looking for a studio, one-bedroom, two- bedroom, three-bedroom, or an entire house rental, we have it all! Your needs matter: Stop wasting time driving around looking for parking, navigating through apartment agents and property managers, only to be told it already rented. Let us take care of your needs and get the amenities that matter to you. If needing an in-unit laundry and/or a gated community matters to you, then they matter to us! Chicago Rent Club will save you time, keep your budget in mind and cut through the paperwork mess! Read even more details on rentals Chicago. RCI is a great company with a great leader and team. They take care of their clients, business partners and customers from start to finish throughout the years I have referred my clients and worked with their entire team. It has been a great experience I will continue to send my family, friends and clients their way for all of their real estate needs. Keep up the great work and thank you

What Slim Pickings Mean for Sellers? Low inventory means low selling competition! You can probably expect to see offer letters flooding your mailbox the same way Hogwarts sent Harry Potter his acceptance letters. Since your home will be one of the (relatively) few listed on the market, you could be in the driver’s seat. So enjoy possibly picking the best offer and moving at a pace that best suits your timeline. But after your home is sold, you probably won’t be in the driver’s seat anymore (if you’re buying again). So decide on plans for your next home before you sell.

Side Hustle to Make More Money: Are you happy with the amount of money you’re taking home each year? If you’re like most of us, a little bit of extra cash each month could go a long way. So, why not start a side hustle to supplement your income? Don’t worry. You don’t have to sacrifice all of your free time to start a successful side hustle. One of the big advantages of side hustling is that you can do it when you want and as much (or as little) as you want. The best advice I can give you is to start. Use any extra time you can find and make a little bit of progress every day. Soon you’ll be addicted to the side hustle lifestyle. So, how much money can you really make with a side hustle? Well, that’s the other awesome thing about side hustling, the income is virtually limitless. Since you’re not getting paid by the hour or a set salary, it’s really up to you to decide how much you want to earn. The more you feed your side hustle, the more it grows.

It’s the same story in 2021 as it was in 2020, 2019, 2018, and heck, even as far back as 2012. There’s really been a lack of inventory since the housing market bottomed because homes were never for sale en masse. During the prior housing crisis, borrowers got foreclosed on or deployed real estate short sales to move on, and banks made sure all that inventory never flooded the market. Now we’ve got would-be sellers with nowhere to go, thanks to the massive price increases realized in the past few years. It’s hard to move up or downsize, so a lot of folks are staying put. That means less choice for you. While we saw an uptick in inventory in 2019, it appeared to be short-lived and now housing supply is at an all-time low! With near-record low interest rates and lots of Americans hitting the ripe first-time buyer age of 34, expect competition to intensify. Again, this supports the argument of being prepared early so you’re ready to make an offer at a moment’s notice!

If you’re going to buy a house it makes a lot of sense to make sure that rush hour traffic isn’t unbearable. The last thing you want is to buy a home and find out that you’re going to be sitting in heavy traffic every day. Time is more valuable than money, you don’t want to spend your time in traffic – I know I don’t. You want to spend your time doing more important things like spending time with your family. We always recommend our buyers check out the commute to and work on different days just to make sure it’s something they are comfortable with. Find additional info at https://www.chicagorentclub.com/.

Develop A Mortgage Shopping Cart. One of the biggest decisions to make before putting a contract on a home is how to finance the purchase. Lenders aggressively compete for your mortgage business in a variety of ways. Today, you can apply for a loan over the Internet or even use a mortgage broker to shop for your loan with hundreds of lenders. When choosing a lender, compare fixed rates to fixed rates, not fixed rates to ARM’s, etc. Create a chart that lists different types of loans, fees, and at least five mortgage providers (including a mortgage broker).